Empire National Bank is a Long Island-based independent bank that specializes in serving the financial needs of small and medium sized businesses, professionals, nonprofit organizations, municipalities, real estate investors, and consumers. The bank has four full-service banking offices located in Islandia, Shirley, Port Jefferson Station, Mineola as well as a private banking branch office in Manhattan. Our bankers take pride in understanding the needs of each customer so the bank can deliver the highest quality service with a sense of urgency.

Empire National Bank is pleased to have the opportunity to offer both the SBA 7A and 504 products so that customers are afforded additional financing solutions for business growth, machinery, equipment or commercial real estate acquisitions. Our SBA loan applications receive prompt, personal attention.

SBA 7A term loans offer flexible options and wide criteria for businesses that may not qualify for conventional lending, such as companies that have been in business as few as two years.

They offer amounts ranging from $50,000 to $5,000,000 so that borrowers can use the funds to:

Refinance existing business debt

Purchase or refinance existing real estate

Purchase inventory

Purchase machinery and equipment

Expand an existing business

Purchase a franchise

Obtain working capital

Acquire an existing business

Terms have maturities up to 25 years, which are fully amortized as well as a Loan to Value that can be as high as 90%. The benefits of a SBA 7A include: wide lending criteria; loans with higher LTVs; companies in business as few as two years; longer terms that conventional loans; lower monthly payments based upon longer amortizations, etc.

With a SBA 504 term loan, borrowers can purchase owner occupied commercial real estate or refinance owner occupied real estate with loan amounts up to $5,000,000. Terms include the commercial portion up to 25 years, with five (5) year interest rate resets; and the SBA portion to 25 years with a fixed interest rate. The Loan to Value has a maximum combined as high as 90%.

For more information or to apply for your SBA loan today, please call Phil Amico, SBA Specialist at 631-533-9940 or visit empirenb.com/SBA.

Bank of Akron was founded in 1900 and began as the Wickware National Bank of Akron at 38 Main Street in Akron. Then, in 1919 it was renamed the Bank of Akron and changed to a State Charter. In 1927, it was relocated to the new & present location at 46 Main Street in Akron. The new bank cost $43,500 to build at that time and employed five people.

Bank of Akron survived the Depression as many banks failed and closed their doors. Mr. Eugene Forrestel, who was the Director and Vice President of the bank at that time, arranged with the State Banking Department to invest his money in the bank so that it could remain open. He was then elected President of the Bank of Akron in 1932 and served as President for 43 years. His entrepreneurial spirit and belief that every community is better served by having its own local bank is ingrained in everything we do.

Bank of Akron currently has 5 locations: 46 Main Street, Akron where we have been since 1947; 9470 Clarence Center Road, Clarence Center which opened in 1993; our Akron Teller and Drive Up located at 77 Buell Street which opened in 1996; 9865 Main Street in Clarence which opened in 2002; and 3619 Walden Avenue in Lancaster which opened in 2007. As the bank continues to grow we are looking to expand our current footprint within the next year or so.

As a local bank, we feel it is our responsibility to be fully entrenched in the communities we serve. Our branch managers are immensely involved in their local Chamber of Commerce and Rotary groups. We also host annual Customer Appreciation Days, giving out close to 4,000 hotdogs over 4 locations. While it is called Customer Appreciation, it really is Community Appreciation – we are so thankful to be there to support and serve their financial needs.

Another one of our passions is financial literacy. We are involved in our schools, particularly with the Clarence Academy of Finance where numerous employees coach, mentor and train the students in the program. We are also active with the Junior Achievement program teaching classes anywhere from the elementary to high school level.

And last, we look forward to continuing on the entrepreneurial legacy of our past. We are excited to add another location in the upcoming year, along with advanced technologies and new products and services to keep us relevant and competitive in a crowded Western New York market.

On August 28, 1902, the Bank of Steuben was opened in the City of Hornellsville under the direction of then President, William Richardson, as a New York State chartered bank. Originally located in the former Babcock building on Main Street in Hornell, the Bank was built to accommodate the booming railroad village founded on the lumber, fur and farming industry of the region. This attention to regional industry and the communities served has stayed a primary focus to this day.

In 1914 the bank built its main office at 82 Main St. in Hornell, which the bank called home for the next 85 years. In 1920 the Bank of Steuben officially changed its name to, Steuben Trust Company as it began offering trust services.

Today, Steuben Trust Company, with assets over $550M, operates fifteen full service branches and one representative office across six counties in Western, NY and the Southern Tier. On September 17, 2018 Steuben Trust opened its doors at its first full service branch in Erie County in the Town of Clarence, NY. In addition to the Bank, Steuben Trust Company also operates Steuben Asset Management, for wealth management and trust services and Steuben Financial Services, a subsidiary offering insurance services.

At Steuben Trust we understand an important key to success is cultivating and maintaining relationships. Our long tenured and knowledgeable staff has a passion for meeting the needs of customers. We are proud to offer a wide range of financial products and services for individuals, businesses, not-for-profit organizations and municipalities. Steuben Trust is committed to maintaining a community focus with local decision making.

Supporting local communities with strong relationships and leadership involvement has also been a focal point for Steuben Trust Company throughout its history. Our employees make a real difference with their dedication to and participation on local and regional boards, community sports teams and local organizations help to ensure our communities are supported and thrive.

In 2017, the Bank and its employees provided well over 225 charitable contributions to various organizations and initiatives with the communities served. In December of 2017, the Federal Home Loan Bank of New York awarded $1.4 million under the Affordable Housing Program to the City of Hornell Housing Authority for the Hornell Community Apartments project, through the coordinated efforts of our CRA Officer. This project involves the rehabilitation of 147 housing units across 10 sites throughout the City of Hornell and will serve a range of moderate- to very low-income families.

In 2017 Steuben Trust Company was presented with the Bronze award for SBA guaranteed lending activity, by the Small Business Administration. This program enables our customers to have access to valuable government programs throughout their business life cycle and leads directly to the creation of jobs and keeps resources in our communities. Steuben Trust Company is proud to work directly with regional small and mid-sized businesses, agribusinesses and farmers to provide lending and depository products and services.

As a true community bank our focus will always remain on our loyal customers, employees and shareholders. We will continue to remain engaged in community involvement, dedicated to product and technological innovation, and provide the highest level of quality customer service.

In 1996, two successful businessmen, E. Philip Saunders and Dan Gullace, purchased an established bank in Rochester, New York. They renamed it Genesee Regional Bank (GRB) with a vision of re-establishing a community bank presence, and helping to grow small business in the Rochester region. From this vision has emerged not only a successful financial institution, but one known for being a trusted advisor to its small business clients in a wide range of industries.

Steady Growth

With that entrepreneurial spirit in mind, President and CEO Philip L. Pecora leads GRB with a customer-centric philosophy that sets the bank apart as a powerful advocate for its clients. GRB’s original vision of growing local businesses has expanded to include helping individuals, nonprofits, and municipalities achieve their financial goals. The bank has continued on a consistent growth path, increasing its assets more than ten-fold since 2003.

The 2013 addition of three residential mortgage companies to the GRB team brought yet another critical service to the bank’s customers and the local community. GRB’s residential mortgage team has grown rapidly and GRB is now one of the leading mortgage lenders in the region. With assets now topping more than $550 million, GRB offers competitive products and rates — but with the added benefit of hometown knowledge, service and decisions.

Recognition and Awards

The bank’s growth is fueled by its commitment to the community and to its employees, earning the bank awards and recognition for growth, culture and community support including being named:

A Small Business Administration “Silver Award” lender

A “Greater Rochester Chamber of Commerce Top 100” company

One of the “Best Companies to Work for in New York”

One of Rochester’s “Top Workplaces”

A New Chapter

GRB is launching an aggressive community-focused brand awareness campaign in September 2018 to encourage businesses and individuals to consider the benefits of working with a local, independent financial institution like GRB.

Featuring reflections on the theme “Community Banking. Community Building.” the integrated marketing campaign will include television, radio, and targeted digital advertising. At launch, the campaign features GRB customers – Isaac Heating & Air Conditioning, Hybridge Dental Implants, Radio Social, Parkleigh and Dr. and Mrs. Michael Maloney. In their own words, these customers discuss the importance of receiving local support from GRB to achieve their personal financial goals and enable growth for their Rochester-based businesses. The campaign reinforces the bank’s mission to provide products and services exclusively to the Greater Rochester region – working to keep us all, as the campaign concludes, “ROC” solid.

Dan Morgenstern, founder of Radio Social and a GRB customer featured in the campaign said, “To bank with somebody that’s outside of our community doesn’t necessarily help our community. What’s critical for us is depositing our dollars into a bank like GRB that turns around and supports the local economy and local business. Rochester can’t grow if we don’t have a community bank. Because outside banks wouldn’t have done what we needed for Radio Social. GRB is unique. They really understand and care about the success of the local market.”

“Community banking is really about reinvesting into the Rochester community and really being focused on one market,” said Frank LaMar, co-founder and CEO of Hybridge Dental Implants, a GRB customer and campaign feature. “I think having a bank like GRB whose focus is one market like Rochester, New York, is really much more profound to the business owners of that town compared to, frankly, what we’ve had in the past with large banks.”

GRB has ambitious plans to continue its growth, and continue driving the success of businesses and individuals in the Greater Rochester community. Learn more atwww.GRBbank.com.

Chemung Canal Trust Company (originally known as Chemung Canal Bank) is New York State’s oldest locally-owned and managed community bank. Chartered in 1833, the original bank was created to help manage the wealth and prosperity generated by the opening of the Chemung Canal (the waterway) which connected the Chemung River and Seneca Lake, opening a pathway for coal, lumber and agricultural products to reach the world through the NYS Canal system.

While the waterway closed in 1878, our financial institution continues-185 years later-managing financial wealth, meeting the banking needs of individuals, businesses and organizations, and stimulating local economies throughout the Southern Tier, Capital and Central regions of New York, as well as the Northern Tier of Pennsylvania.

In 1903 Chemung Canal was granted full trust powers and we have continued offering these services over the past 115 years. Currently, our Wealth Management Group oversees assets under management or administration with a market value of $1.89 billion.

“Building Relationships since 1833” is not just a tagline, it’s an operating philosophy that we believe sets us apart from our competition. It’s our effort to know our customer and tailor individualized financial solutions. We build our approach to banking around their needs-with a wide range of products and services, including checking; savings; personal, home and business loans; and many digital banking options such as online account opening, online loan applications, Web Banking and Mobile Banking, to name a few. A testament to our efforts is the fact that we continue to maintain banking relationships with descendants of our founding clients.

As a community bank, we believe strongly in providing support, both personally and financially, to the people and organizations in the regions we serve. It’s our way of giving back and giving thanks to the many who make our region a special place to live and work.We are making a material, lasting and positive impact across our footprint because of our colleagues who commit so much of their time, talents and resources-volunteering to help those in need, endeavoring to enhance the quality of life of their fellow citizens. We also continue to engage in community forums, lead neighborhood organizations and dedicate countless hours of support to ensure no one is left behind.

Still headquartered in Elmira, NY, today Chemung Canal Trust Company, through our financial services holding company – Chemung Financial Corporation (Nasdaq: CHMG), is a $1.7 billion corporation, operating through 35 retail banking offices in 12 counties in upstate New York, and Bradford County in Pennsylvania. The holding company is also the parent of CFS Group, Inc., a financial services subsidiary offering non-traditional services, including mutual funds, annuities, brokerage services, tax preparation services and insurance; and Chemung Risk Management, Inc., a captive insurance company based in the State of Nevada.

Employing a long-term planning approach and a strong community banking philosophy, we remain focused to our core principles, yet adaptable within an ever-changing banking landscape. We’ve proved that our success over the past 185 years has been to the benefit of all our constituencies: our shareholders, clients, colleagues and the communities we serve.

To learn more about Chemung Canal Trust Company and its products/services, please visitwww.chemungcanal.com.

The city of Dunkirk had been incorporated for less than a year when Lake Shore Savings and Loan Association first opened its doors at 92 E. 2nd Street in 1891. Today, over 127 years later, we continue as a locally headquartered and operated bank, serving our customers and community, providing rewarding employment and career growth opportunities for our team of dedicated bankers, and building long-term and sustainable value for our shareholders.

Lake Shore Savings has survived and has thrived by staying true to our mission statement: Putting People First. That means helping our customers, energizing our employees, respecting our shareholders and serving the communities throughout our region. It’s a formula that has stood the test of time-from a Great Depression to economic booms, and everything in between-and continues to lead Lake Shore Savings in generating long-term value for our shareholders.

We continue to see many consumers seeking out the stability, values and customized services offered by community banks such as Lake Shore Savings. Yet, we also understand the expectations of banking customers are quickly evolving, making it essential to keep pace with the latest online and mobile banking options to remain a bank of choice for customers and prospects. To that end, we have made continued investments in our digital offerings and innovative products in ways that further differentiated our bank from the competition:

CardValet®– Offering greater control and security over Lake Shore Savings debit cards allowing customers to turn debit cards on and off, establish transaction controls, get real-time balances, and receive alerts for a range of card activities.

Benefits Checking– Lake Shore Savings established checking accounts that offer multiple benefits and rewards for banking with Lake Shore Savings, including a shop local, save local proximity couponing program with a nationwide network, cell phone protection, roadside assistance coverage, identity theft protection, and other non-traditional banking benefits. As part of the bank’s “living local” initiative, branch personnel are also reaching out to local merchants to encourage enrollment in the proximity couponing program, and effort that adds value for current customers and establishes relationships with potential small business customers.

Concierge Banking- Lake Shore Savings enhanced its digital relevance, by furthering its concierge banking approach which offers customized banking solutions wherever and whenever it is most convenient for our customers. That means with digital capabilities, your kitchen table can become your bank branch.

Online Account Opening– Customers can open and fund accounts completely online and further benefit from new digital offerings.

These offerings add ease, convenience and value for our customers. Yet we never lose sight of the primary ingredient that has set Lake Shore Savings apart for over 127 years. Our people. We live, work and play in the communities where we provide sound advice and superior service to help our neighbors manage their finances and achieve their dreams. Our commitment doesn’t stop at the end of the workday. Lake Shore Savings Bank and its employees consistently donate their time, talent and money to better our community and help those in need.

Lake Shore Savings Bank has been there for generations of Western New Yorkers. And so, it’s our goal to make sure each new generation has the tools they need to thrive. From making a first deposit to securing a first mortgage, we’ll guide you with the right support at every stage of your life. We know that achieving your financial goals requires personal attention, which is why we’ll always put your needs first-in branch or online. And as new generations are born, Lake Shore will be there to greet them!

Tompkins Trust Company was founded in 1836. At Tompkins, local is powerful. As Central New York’s community bank, we understand why. Local is at the heart of who we are and what we do. We’re here to help our communities thrive and grow, and that includes you. We offer a vast array of services, including personal & business banking, residential and commercial lending, mobile banking services, and commercial cash management products & services.

Innovation. It’s the best of the both worlds. Together with our affiliates, we’re able to offer innovative financial solutions with the personal touch of a community bank. We would call that a win-win.

Community. We’ve been a part of this community for more than 180 years, so you could say we know how to roll up our sleeves and get involved. Charities, nonprofits, and civic organizations are essential for a successful community, and we’re proud to help with more than just a donation. Our team members are often caught out there volunteering and helping those who need it most.

Tompkins Trust Company is a community bank you can trust. Whether it is at a branch location, over the phone, or online we are always here to help you every step of the way. We continue to strive to provide innovative financial solutions, without comprising personalized service. We give back to the community we serve, so you know that are beliefs and services are sewn into the heart of what we do every day.

At Canandaigua National Bank & Trust (CNB) we’ve been building a rich heritage in the Greater Rochester and Finger Lakes regions of upstate New York since 1887. Remarkably, in that time we’ve only had five bank presidents, all from the same family. It’s just one example of our stability, continuity, and long-term commitment.

Canandaigua National Bank & Trust remains an independent, community bank. And while we have shareholders, we’re not a publicly traded company. That means we make decisions locally – based solely on what’s best for our valued customers, the communities we serve, our employees, and shareholders.

For generations, our stable, local leadership has helped us survive and thrive in every kind of economy. Today, we remain focused on understanding our customers’ needs and providing new, innovative ways to meet them – without changing our commitment to personal service.

At CNB, we focus on what’s important. It’s all about building, growing, and retaining relationships. For us, each customer relationship is an extension of our CNB family. We want you to feel at home when you enjoy our truly unique and personal banking experience, including sit-down tellers, free coffee, coin-counting machines, and Wi-Fi at our branches.

We’ve grown along with the communities that we serve by offering a wide range of competitive banking options and the personal service that builds long-lasting relationships- ones not measured in years, but generations. We are able to provide individuals, businesses, municipalities, and not-for-profit organizations access to all of the financial services they’ll ever need. And when people and businesses succeed, everyone benefits.

What truly sets CNB apart from other financial institutions is the quality and commitment of your neighbors, friends, and family members who are our employees. We’ve assembled a diverse team of people who share a primary focus: to provide exceptional service for our customers.

At CNB, our commitment to the community has been a part of our culture for more than a century. Because we live, work, and play where you do, CNB is woven into the very fabric of our region. We start with our facilities, each designed and constructed to fit the character and culture of the neighborhood it serves. That approach extends to the services provided, such as offering Sunday hours at select Bank Offices.

CNB also takes an active role in the community through its support of local organizations and programs. With volunteerism as an integral part of the CNB culture, our people serve on boards, coach teams, and are emergency responders, investing their time and talent to enrich the lives of our neighbors. Together we are seeing our community thrive and grow.

As the only local, full-service, community-owned financial institution in the Greater Rochester region, Canandaigua National Bank & Trust is investing in you, your business, and your community through our products, personal service, technology, and community support. Our Core Values represent who we are and what we do, each and every day. That’s what makes us different from our competitors. Before making any business decision, we carefully consider how it will affect the people who rely on us the most: our valued customers, the communities we serve, our employees, and shareholders.

To learn more about Canandaigua National Bank, please visitwww.cnbank.com.

National Bank of Coxsackie was founded in 1852. And even though you, dear reader, are a banker, we’ll do the math – 166 years in existence.

Through age and innovation, NBC is both venerable and modern. NBC is an early adopter of new technology, and one of the first banks in the area, large or small, to offer a Mobile App for Smartphones with Mobile Remote Deposit. Earlier this year we implemented technology that allows our customers to apply for a Mortgage and Home Equity Loan or Line of Credit in 15 minutes through our website. Our customers expect these services, and we deliver, for we understand that only by continued evolution in our products and services can we remain relevant and vital.

NBC’s branch buildings illustrate our respect for the past and commitment to the future. Given the opportunity to construct a new branch, we chose a modern design.

Note the lobby’s broad open floor space and high ceiling, drawing inspiration from the grand bank lobbies of former times, expressed in the modern vernacular of a clean bright style and wall of windows.

We also own a classic Art Deco branch in Athens constructed in 1930. The building suffered from improvements in the 1960s and we are now restoring the exterior to its original handsome condition. The customer branch experience is still an integral part of our business.

We also have customers (not all are Gen Y) who brag that they never set foot in a branch. They open deposit accounts, pay their bills, do transactions, apply for loans, all online. For these customers, too, NBC is a perfect fit.

Ten years ago we hardly knew our customers; but now, with the much-needed regulatory boost from Washington—CIP, EDD, KYC, ETC—we do know many of our customers, and even greet a few of them by name. That’s community banking at its best!

Our understanding of our role as bankers extends beyond the products, services, and guidance we offer customers. We also focus on giving back to the local communities through monetary donations or by something much more valuable—our time. Annually, each branch closes early to partake in a community service project. Previous activities included projects such as painting local park benches, cleaning up Main Streets and planting flowers, assisting at local school and library functions, and helping at an animal shelter.

A company is only as good as its employees, and at National Bank of Coxsackie we are blessed with a knowledgeable, dedicated, friendly staff. We work together towards the same goals: customer satisfaction and assistance; accurate daily transactions; achievement of performance goals; and, not least, proving at the end of the day. NBC provides an excellent benefits package, and we try to have fun together. On 8/4/2018, the weather cleared at noon for the company picnic, held at Zoom Flume, a local bank customer, consistent with NBC’s policy of doing business with people who do business with us. NBC throws an annual Christmas Party universally attended. The bank president thinks we all come to see his ballroom dance demo, but we really come for the present: an extra day off. The bank sponsors other activities, like the NBC team at the FAM 5K run.

NBC: A great place to Work. A great place to Bank.

One thing is certain: after 166 years, National Bank of Coxsackie is here to stay. For more information on NBC please visit us online at www.nbcoxsackie.comor contact our Main Office at (518) 731-6161. We still answer the phone so no need to worry about getting lost in the “Press 1” labyrinth.

The Bank of Richmondville was started in 1881 as a privately-owned bank, established by Judge John Westover and Mr. James Foster. The bank was initially located on the present site of the Richmondville Post Office, across the street from its present Richmondville Office.

In March of 1884, the firm of John Westover and James Foster added John R. Becker to the partnership.

In December of 1893, the Bank of Richmondville was established as a state chartered bank. Stockholders elected William E. Lewis, James H. Brown, A.D. Frasier, M.W. Harroway, Milo N. Bradley, H.S. Lewis and John Holmes as the first Board of Directors.

During its 125 years of service as a locally owned, independent, community bank, its history has included only six Presidents. Mr. A.D. Frasier served as its first President from 1893 to 1926. The second President, succeeding Mr. Frasier, was Mr. John D. Holmes. Mr. Holmes (who became a director January of 1907) served in that office from 1926 to 1967. Mr. Holmes’ nephew, Chauncey H. Winters, served as the third President of the bank from 1967 to 1978. Mr. Winters was followed by the fourth President, Mr. Maurice J. Sperbeck, from 1978 until his retirement in December of 1992. The fifth President of the bank, Mr. Peter L. Randall, held that position from January 1993 through September of 1995. Randy L. Crapser was named President in January 1996.

The bank’s home office is located at 284 Main Street in Richmondville, a location utilized by the community for hometown banking services for decades.

In September of 1982, the Bank of Richmondville opened an office located at 857 East Main Street in Cobleskill. This office eventually became the main office and operations center.

On October 19, 1998, the Bank opened a branch office at 428 Main Street, in Schoharie, New York.

The Board of Directors, numbering seven, are members of the community and committed to the principles and operation of the bank as an independent community bank.

The bank is governed by regulations issued by the New York State Banking Department and the Federal Deposit Insurance Corporation.

The bank continues in its efforts to serve the are as an independent commercial bank and to maintain its position as the area’s “Hometown Banking Tradition” as it has since 1893.

Now offering Mobile Banking with Remote deposit!

Celebrating 125 Years!!

1893-2018

For more information, visit our website at www.bankrich.comor call us at (518) 234-4397.

In 1839, along with being the County seat, the community of Ballston Spa boasted 10 well-known hotels, multiple mills and factories, a courthouse and prison, numerous stores and mechanics’ shops, three churches, a school, a library and two printing offices. All this presented a great need for a community bank in Ballston Spa, which prompted James Cook and 12 additional well-regarded members of the community to pursue the creation of The Ballston Spa Bank. The first organizational meeting was held on December 8, 1838 and the bank officially opened its doors to customers on May 15, 1839.

Through the Civil War, two world wars, the Great Depression and more, the bank, now known as Ballston Spa National Bank, or BSNB, has been a stalwart in the community, helping thousands of businesses and individuals reach their financial goals. The institution’s ability to remain viable and strong through the ups and downs has helped everyone from companies to professionals reach greater success, to allowing individuals to see their dreams of home ownership or other aspirations come to fruition.

Today, BSNB strives to develop strong relationships with customers by providing customized solutions and exceptional service and support. Whether at one of thirteen convenient branch locations or at a client’s home or office, we spend the time to better understand needs and to make the experience an easy one. As a community based bank, decisions are made locally by bankers who live and work in the many towns and cities that comprise the greater Capital Region of New York state. Likewise, the deposits that we safeguard and help grow are reinvested in this area to help strengthen the local economy and community.

And while we prefer doing business face to face, we also offer customers a number of automated delivery channels and services to make busy lives run smoothly. Whether searching for information on our website, or utilizing online banking or cash management services, we know customers find these and other solutions convenient and valuable.

In addition to our customer service commitment, BSNB is also focused on giving back and strengthening local communities through our Volunteers in Action Program, Community Service Day, and through financial contributions by the company and the BSNB Charitable Foundation. Through these efforts, we strive to make a positive difference each and every day.

Since 1949, Geddes Federal Savings and Loan has been serving the Central New York community with residential loans and savings products. Beginning with a staff of two Geddes Federal has since grown to a staff of 42 and over $529 million in Assets. For the past 69 years, the Association has expanded its product offerings and geography, but the original mission to provide our neighbors with quality savings and loan products, remains the same today.

Today we have two offices, with our main office located at the Westvale Plaza in the Village of Solvay just outside of the City of Syracuse and one branch office located at Limestone Commons in the Village of Manlius. We believe that our customers are our greatest assets, and we strive for their satisfaction. In this age of “bigger is better”, we feel that customer service is the number one priority. For this reason, we service all of our customer’s mortgages and accounts in-house.

With the addition of Mobile Banking services, enhanced Online capabilities, a group travel program for those 55 years of age or better and soon to offer a rewards program that includes identity theft protection. We continuously strive to meet the needs of our customers and members of our community. In addition, Geddes Federal recently invested One Million into the Home Headquarters Flexible improvement fund as an effort to provide funding for home improvement to those that qualify.

At Geddes Federal, we pride ourselves on customer service, competitive rates, and our community involvement. Our employees, Officers and Board of Directors are themselves members of the communities we serve. All willing to support and volunteer their time within the community. From helping to build, a home to facing a “Hot Pepper Challenge” to benefit ALS also called Lou Gehrig’s disease. We are always there.

Geddes Federal Savings recognized as one of the Independent Community Bankers top 100 overall industry loan producers and rated five stars from Bauer Financial. It is our goal to make every customer experience with Geddes Federal Savings, better than the last.

In 1923 a group of local businessmen decided that the time had come for the town of Glenville to open its own bank and formed the Glenville Bank. The staff was comprised of three employees, and cash had to be taken across the covered bridge to Schenectady each night for storage in a vault. The bank had barely begun to operate when the need for larger quarters became obvious and operations were moved to a new building. Thanks to the building expansion, we were able to introduce “auto banking” with the areas first drive up window in 1948. By 1956 additional branches were added and the bank’s name officially changed to 1st National Bank of Scotia. In the summer of 1962, another first was notable as 1st National Bank of Scotia became the first bank in the United States to use an electronic computer to service savings accounts.

Today, 1st National Bank of Scotia has ten banking locations and remains independently owned and operated. We are dedicated to providing creative financial solutions and superior personalized service to generations of families and businesses throughout the Capital Region. We encourage and support the growth and success of our customers, employees and the communities we serve.

1st National offers a full range of financial products, as well as wealth management and insurance services. Our online products, including mobile banking, remote deposit, and cash management provide customers with secure, easy to use technology to make banking convenient. Fast, local decision making and a deep knowledge of our region provides our customers with tailored lending solutions when buying a home or starting a business.

As our products and services continue to evolve and change, our commitment to the communities we serve remains unwavering. Each year 1st National Bank of Scotia contributes thousands of dollars to area schools, local charitable fundraisers and community events. Outside of the bank our employees spend countless hours volunteering in the community, serving on boards, working with youth or simply collecting donations for a worthy cause. It’s what we do. It’s why we all work for a community bank.

To learn more about 1st National Bank of Scotia, our products and services please visit www.firstscotia.com.

Generations Bank traces its heritage back to 1870, since that time we have been serving the financial needs of people and businesses across the Finger Lakes region. In addition to being a full service bank, Generations Agency provides insurance services to families and businesses. We employ a unique blend of traditional service and technology to deliver an experience available when, where and how the customer wants to do their banking.

Our products and services often go beyond what you might expect. For example, our MyGenMortgage is specifically designed to help enable home ownership in our communities. TheGO PREMIUM and GO PREFERRED checking accounts offer extra benefits to customers by delivering value added features like ID Theft Aid / Credit Monitoring, Roadside Assistance, Cell Phone Protection and EZ Saver account rounding at no additional cost. GO PREMIUM and GO PREFERRED customers also have access to discounts at retailers, shops and restaurants locally and nationally.

Generations believes it is important to give back to the communities where we work and live, we support many local causes and charities with special emphasis on affordable housing and benefitting children. In addition to financial support, bank employees donate their time to charitable causes with more than 62% participating.

Headquartered in Seneca Falls, one of our neighbors is the National Women’s Hall of Fame. For the past three years, the Bank has been the organizing sponsor of the “Right to Run” 19k – celebrating the women’s movement. The race’s unusual distance – 19 kilometers, is a nod to the 19th Amendment whereby women secured the right to vote. Proceeds from the event support the Women’s Hall of Fame.

Founded in 1909, North Country Savings Bank is a customer,-based and community-driven symbol of the North Country. Being customer-centered and motivated by our community has helped us serve a variety of customers throughout St. Lawrence County for over a century. At the heart of our organization are the dedicated employees who work hard to ensure each customer receives the personalized attention they deserve.

The North Country Savings Bank team is here for you. We’ll walk you through every step of themortgage process, from answering your questions about where to begin to explaining all the important details. Our experienced Personal Bankers and Loan Originators are prepared to help first time home buyers get their credit reports in check, figure out how much they can afford, and be there at the finish when they sign on the dotted line.

We are eager and prepared to help all customers current and potential. Our Personal Bankers serve as a single-point of contact for customers. Their sole purpose is to help everyone get the most from their banking, both in person and online. Each of our four branches have a Personal Banker ready to assist in any way needed. Just another example of North Country Savings Bank working to provide excellent customer service.

With roots dating back to 1920, Evans Bank has evolved into a full-service financial institution focused only on Western New York. Our mission is the same today as it was nearly 100 years ago, to help our customers meet their financial goals and businesses build their dreams.

Throughout our history, Evans has proudly made significant contributions to the growth and resurgence of the region. We do this by providing real value to our customers, associates, shareholders and communities. In 1977, the bank opened its second branch and has since added 12 more financial centers. In 2000, Evans Bancorp acquired the M&W Agency Inc., our insurance subsidiary known today as The Evans Agency LLC.

This summer, the Company intends to open its 15th full-service financial center, its first in the Central Business District of Downtown Buffalo. The proposed Business & Relationship Center will offer full-service banking, insurance, investments and employee benefits services while featuring a consultative setting for client meetings, as well as, modern and convenient banking technologies. It will enhance our ability to serve more of the local community and its businesses in the radius around the heart of the City that is enjoying a resurgence.

Our insurance operation has acquired more than a dozen local agencies and offers a suite of products and services tailored to meet the needs of both retail and business customers. The Evans Agency achieved record revenues in 2017 on the strength of increased Commercial and Personal Lines sales and Employee Benefits expansion.

The Company was successful in recruiting three new senior executives in 2017 – a Chief Risk Officer, Chief Commercial Banking Officer, and a new Director of Employee Benefits, who will help our organization advance in sophistication and capabilities. For the fifth consecutive year, based upon employee engagement, Evans was recognized by Buffalo Business First as a Best Place to Work among dozens of companies regionally in Western New York.

In 2017, the Company also made a commitment to ensure that diversity and inclusion was a top priority. Evans created a new Diversity & Inclusion Council whose charter is to foster an open and inclusive environment, encourage recruitment of associates of diverse backgrounds and thought, in an atmosphere free of harassment and intolerance. The Council is comprised of a broad based team of associates and management, and serves as a resource for the organization to address individual and systemic issues regarding diversity and inclusion.

Since its inception, the council has adopted a logo, participated in an inclusion awareness workshop lead by the National Federation for Just Communities of WNY and created a Plan, Do, Check and Act (PDCA) exercise for carrying out change. The council identified several focus areas aimed to broaden diversity within Evans and enhance an inclusive workplace.

Continuing the pattern of support for the communities it has served and invested in for almost a century, Evans expanded participation in volunteer activities, associate service hours and financial support in 2017. The Company also made a $300,000 contribution to its Foundation this past year, the largest such contribution in its history, to be invested in not-for-profit entities that enhance the quality of life within Western New York.

Despite local competition increasing with several new market entrants, Evans is confident in our position to compete successfully and expand our presence in the region. Our value-added service, capabilities, reputation and knowledge of the marketplace, provide us with a competitive advantage over other financial institutions. With greater size and scale, we are competitively positioned against the regional and national banks.

We remain thankful for the acceptance and support received from our customers, associates and shareholders, and look forward to more business growth and investment in our communities.

To learn more about Evans, our products, services and career opportunities, please visit www.evansbank.com.

If your financial institution is called a “savings bank,” it has probably seen its fair share of history. The very notion of a savings bank is a relic from a time when banks were limited to one or two services. Although these regulations were repealed in the mid-1900s and banks could expand the services offered, many savings banks retained their original names in the interest of the community they served. Watertown Savings Bank is one such institution, where community has mattered for 125 years.

In 1893, a small group of Watertown residents decided they would build a financial institution to benefit the community. This group, composed of prominent businessman and successful professionals in the area, was beginning to see Watertown flourish and recognized the need for a reliable local bank.

The bank was, and still is, structured as a mutual savings bank with a board of trustees and no stockholders. A brief look at the original list of trustees provides a snapshot of local commerce and politics around the turn of the century. Among the list are two paper manufacturers, a produce dealer, a former lieutenant governor, a city mayor and a local jeweler. The snapshot is brought more into focus with a look at the original operating hours. In addition to weekday hours, the bank was also open from 5:00 to 8:00 P.M. on Saturdays. This was done to accommodate the mill workers and factory employees, who could only make it to the bank on Saturday evenings after a six-day workweek.

The formative years of Watertown Savings Bank were proving fruitful, so much so that the bank moved into a new space in 1921. The new location, four times the size of the original office, was located at the top of Public Square and provided a hub for the hard-working local customer base. At this time, after only 28 years of operation, the bank had seen a growth of over $4 million in assets. Profits only increased in the decades to follow.

In 1959, the bank was once again in need of a larger facility and purchased two properties to facilitate the construction of a new office building. The new office opened a year later with 30 employees and $32 million in assets. A handful of our current employees started out at this now razed building, and they stayed because the bank cares as much about its employees as it does its customers.

Quality customer service is at the heart of what Watertown Savings Bank stands for and it is the reason customers continue to visit our branches. Bank President & CEO Mark R. Lavarnway said, “we have found that providing the highest level of personalized and community support offers many benefits which are often superior to our competitors. We understand our local economy and the diverse banking needs of our community.”

This year, Watertown Savings Bank celebrates 125 years of service in the North Country. With 125 employees, $660 million in assets and a total of nine branches in Jefferson County, the bank built to serve the Watertown community is still thriving. It currently retains the largest deposit market share in the county and has been recognized as the top mortgage and commercial lender. The Bank’s accomplishments do not stop at the county level either. It has been awarded the Top SBA Small Community Lender six times. Last year, Banking New York magazine named Watertown Savings Bank as the Top Community Supporter in New York State. In 2017 alone, we proudly donated over $335,000 to local non-profits and charitable organizations.

Our name and our mission have stayed the same since 1893. The nature of the banking industry demands that a bank evolve and adapt to stay relevant, but this is no small feat. Evolve too much and you risk losing your loyal customers, fail to adapt and you lose your ability to form new customer relationships. Watertown Savings Bank has found the right balance. Mr. Lavarnway points out “We have evolved with the times in terms of products and services, but we have maintained that same culture of local management, local decisions, and local support.” An emphasis on local support is the reason we opened our doors 125 years ago and it is the reason they are still open today.

It had been only 23 years since the end of the Civil War. Thomas Edison filed a patent for the Optical Phonograph- the first movie. George Eastman patented the first roll-film camera and registered the “Kodak” name. And in May, Fairport Savings Bank was born.

In its 130 years, Fairport Savings Bank (FSB) has seen marked growth in its products, services, and locations, but remains, at its core, an effective and strategic community bank. “As we continue to grow, our purpose, philosophy, and commitment to meeting our customers’ needs has remained,” says Kevin Maroney, President and CEO as of January 1. “And we’re proud that our size and flexibility truly allows us to be a 21st-century ‘we say yes’ bank.”

This May, all FSB branches will be celebrating with family events, anniversary cakes and special giveaway items throughout the month.

Customer Julie Scott Stryker is representative of a multi-generational family with an FSB relationship beginning with her great-grandparents, through our great-aunt, her parents, her and her husband, and now their 10-month old son. “I use the online banking service daily,” she said. “It’s relevant and completely up-to-date.”

Julie has chosen to continue with FSB and is a big fan. “We know we can completely trust our banking relationship with Fairport Savings Bank,” she added. “If ever there was an issue, we could call and speak directly with someone who would be there to help.” Julie’s confidence also stems from knowing FSB from the inside. For several years she worked at the bank in various departments, noting “it was a wonderful place to work.”

With assets of more than $300 million, FSB now has five full-service branch locations, five dedicated mortgage offices, an expansive ATM network, broad offerings of online and mobile banking e-services, and two subsidiaries- Fairport Wealth Management and FSB Insurance Agency for investments and insurance. Maroney notes that FSB is still about “cultivating extraordinary relationships” with its new and longtime customers and its nearly 100 employees, and providing its personal Fairport Savings Bank experience.

Maroney began with FSB in 2004 as executive vice president and chief financial officer during the company’s strategic growth period. Upon the retirement in December 2017 of longtime President and CEO Dana C. Gavenda- now the current chair of the board of directors- it seemed fitting that Maroney be appointed to this position.

We have a long and proud history and legacy, and Kevin Maroney is perfectly positioned to carry that legacy forward,” said Gavenda. “He knows to look at today’s world from both a personal and business perspective not only to stay relevant, but to expand and extend our reach. He knows that we succeed if our people succeed.”

Another important addition to the FSB “family” is Michael Giancursio, named in October as executive vice president and chief lending officer. This Fairport native has more than 20 years experience in commercial credit, lending, and deposits. Thanks to FSB’s many products, Giancursio looks forward to growing both commercial and residential lending. He also has a unique perspective on commercial banking, having been a bank examiner for the Office of the Comptroller of the Currency in Syracuse.

FSB prides itself on its core values which include, among other points, community involvement and support. Its culture encourages volunteerism and community event sponsorship; Maroney himself has been the treasurer of the Boys and Girls Clubs of Rochester for five years.

“Fairport Savings Bank may have a long history,” notes Maroney, “but we are not your typical, purely transactional bank. As a community bank, we all roll up our sleeves and do what needs to be done. We really do want to earn our tagline, ‘love your bank.'”

USNY Bank is an independently-owned, commercial bank chartered by New York State and headquartered in Geneva, NY. The bank operates two full-service banking units. Bank of the Finger Lakes with offices at 389 Hamilton Street in Geneva, NY and 100 Main Street in Penn Yan, NY and Bank of Cooperstown with offices at 73 Chestnut Street in Cooperstown, NY and 34 Main Street in Oneonta, NY. USNY Bank currently has total assets of approximately $380 million.

The idea to form a new bank in Cooperstown began with the family of Robert O’Neill in early 2006. O’Neill contacted the late Robert Ranger and Mike Briggs, current USNY President & CEO, to become the original founders of the de novo bank. O’Neill and Ranger were both honored as Director Emeritus for their efforts on behalf of the bank.

The original bank charter was approved in March 2007 and the bank received FDIC approval to open its first branch in Geneva. The Cooperstown branch opened in December 2007, the Oneonta branch in September 2014, and the fourth branch opened in Penn Yan in June 2017. Upstate New York Bancorp, Inc. was created on July 1, 2016 as the holding company for USNY Bank.

The Bank is both an SBA Preffered Lender and FSA Preferred Lender, specializing in providing banking services for small and mid-sized businesses, agribusinesses, farms and wineries; in addition to providing retail lending services to local consumers.

USNY Bank has received recognition for its financial performance by various bank industry firms. The bank has experienced consistent growth in total assets and net income since its inception.

President & CEO Mike Briggs added, “We’re very pleased to have been listed among the top performing banks in the country. This just didn’t happen. It’s a testament to the high-quality customer service consistently delivered by our employees; the commitment of our directors, community board members and management; the investment by our shareholders; plus the loyalty of our bank customers. USNY Bank remains committed to reinvesting local deposits back into the communities we serve. We’re here to serve our customers and make positive contributions to the local economy. We make loans that help support local businesses and farms to help them grow. And that supports helps everyone. It’s what we mean when we say What Starts Here, Stays Here. When people bank with us, they know that the money stays right here.”

Briggs is also the current Chairman of IBANYS, Atlantic Community Bankers Bank, and Atlantic Community Bancshares, Inc.

Pioneer Bank was founded in 1889 by Henry O’Reilly Tucker and a group of printers from the Troy Daily Press. Their main goal was to establish a loan & savings association in order to encourage the practice of saving. After consulting with their employer, this goal soon became a reality and Pioneer Bank was created.

Pioneer Bank offers a variety of financial products and services, including full banking services, insurance, wealth management, and employee benefits consulting. We also offer our customers a comprehensive array of products and services, with competitive rates and the latest banking options. We have a suite of sophisticated, secure and easy to use eBanking tools, mobile banking apps, and other tools to help customers save time and do more with their money. We have branch offices and ITMs/ATMs throughout the region and we are a leader in local lending, with fast local decision making from people who know who they are and go beyond expectations to make the deal happen.

We relentlessly execute our business model of engaged employees and customer advocacy each day, driving our strong financial results. We look for ways to leverage technology to enhance the delivery of our products and services, as well as to improve efficiency within our operations. Most importantly, we remain committed to operating with the highest level of integrity and will always make local decisions based on what is best for our employees, customers, and our communities.

Alden State Bank was founded in 1916 and serves Alden, NY and surrounding communities. Alden State Bank is committed to providing innovative, state-of-the-art banking products and services with a focus on customer service. Some of their many services offered include personal and commercial deposit & loan products, debit cards, and online/mobile banking.

Alden State Bank has a strong community presence and is involved in numerous programs and activities. This year, Alden State Bank will again sponsor for 2018 a TQ Midget car that races at short-tracks and it will make several promotional appearances across Western New York. The bank is a primary sponsor of several prominent community events as well, such as Alden Winterfest and the 5K “Dollars for Scholars” Race. Alden State Bank also supports many non-profits fundraisers in Alden and neighboring communities. During the summer months, the bank holds annual customer appreciation hot dog roasts at both of their locations, which are always well-received by the community. Other recent promotional events include a “money booth”, sponsored by their Kasasa rewards checking products, and appearances at the local farmers market.

To read more information about Alden State Bank or to learn more about their products and services, please visitwww.aldenstate.com.

Tioga State Bank is an independent, family-owned and operated financial institution. The bank was founded in 1864 when local business owners joined together to form a community bank to provide highly needed banking services to our communities.

The bank’s first president was M.D. Fisher and our current President, Robert M. Fisher is the fifth generation to run Tioga State Bank. Tioga State Bank is still currently the only bank headquartered in Tioga County, NY. Tioga State Bank currently has 11 locations and serves the financial needs of the Southern Tier of New York and Northern Pennsylvania.

Tioga State Bank offers a full range of consumer, business, investment, and financial products and personalized services tailored to meet the needs of our local community. We want to be our customers’ trusted financial advisor for life. We also seek to provide additional benefits to our customers by sending them relevant, helpful information and offering expert insight to help them reach their financial goals.

Giving back and community involvement are themes that are seen throughout TSB’s culture. One of Tioga’s guiding principles is care for our community, which we show in many ways. Over the last 5 years, we have donated over $400,000 to local charities and organizations to help our communities thrive. We helped support the construction of a home health facility, raised funds to make a local library handicap accessible, donated to all three local healthcare systems, funded one week of food for over 9,000 students, among many others.

We also encourage those in our local community to play a part in growing our local economy and to support local businesses. We do this through our monthly #GoLocal campaigns where we highlight local business customers on social media, social media contests, and sharing local businesses’ stories and events.

Our staff is also very involved in the communities we serve. The majority of our employees belong to a community organization or charity. Each year we host a car and truck show, participate with a team of runners in many local 5k’s, and walk in our local American Heart Association event. During the holiday season, staffers hand out fresh fruit and vegetables to at-risk families. Each month we host a blue jeans for charity day with many of our employees participating by wearing jeans to the office in exchange for a donation to a local charity. 2 years ago, we also started hosting our own 5k to help benefit Cure the Blue. Cure the Blue collects funds for prostate cancer and was founded by former Buffalo Bills player, in conjunction with the Buffalo Bills Alumni Association, Booker Edgerson. Participation in and giving back to the communities we serve is at the core of who we are at Tioga State Bank.

The First National Bank of Groton is locally owned, customer driven, community bank. We maintain a local focus that promotes growth by investing back into the same neighborhoods where our deposits come from. All decisions are made by people who know the local market and understand the needs of our customers. We know our customers by name, and vice-versa. We take pride in providing a superior level of personalized customer service, along with a blend of traditional banking products and innovative online and mobile services. As of December 31, 2017, our assets totaled over $170 million. All of our employees are area residents, which means we have the same personal investment in the community as our customers.

Established in 1865, The First National Bank of Groton has served the surrounding communities for over 150 years. “Customers for life, one day at a time” is our mission. Our long history includes many interesting details:

In 1896, when she was elected President of The First National Bank of Groton, Welthea M. Marsh became one of the first women in the United States to serve as President of a national bank.

Following the Emergency Banking Act of 1933, The First National Bank of Groton was one of the first financial institutions determined by the Treasury Department to be solvent, making it one of the first to be re-opened.

Our annual Customer Appreciation Day is widely recognized and eagerly awaited each year! Employees grill and serve the famous “quarter-pound” hot dogs for our customers and the entire community at each of our offices.

We open our lobbies to customers and the community as a way to showcase their artwork, their collections, and local memorabilia. Our Groton office features a thirty-foot mural, painted by a local artist, depicting the Village of Groton in 1900.

Our two locations are conveniently located in Groton and Moravia, NY. The First National Bank of Groton is a member of the FDIC and an Equal Housing Lender.

For more information, visit our website at www.grotonbank.com or call us at (607) 898-5871.

Saratoga National Bank and Trust Company, celebrating its 30th anniversary in 2018, is a one-stop shop for all banking needs. This community bank provides a full suite of financial services across the Capital Region – including checking and savings, cash management, commercial insurance, small business loans, group health, retirement plans and more.

Recognized as one of the strongest financial institutions in the nation, Saratoga National Bank has been designated as a 5-star Superior bank by BauerFinancial, Inc. for 35 consecutive quarters. The Bank was also recently named the “Top Small Community Lender” by the U.S. Small Business Administration for the Capital Region for the fourth consecutive year.

Saratoga National Bank employees combine the highest level of financial expertise with first-hand knowledge of their own communities to offer personal attention, smart banking options and competitive rates. Local management and decision-making are just some of the key elements that differentiate Saratoga National Bank from other financial institutions.

Saratoga National Bank is continuing to expand in the Capital Region. Most recently, the Bank opened its 10th location at 251 State Street in Schenectady.

Serving the organizations that make the region a great place to live and work has always been an important part of the company culture. The Bank is committed to investing in the community and proudly supports dozens of not-for-profits through sponsorships, volunteerism, donations and education.

“To promote and strengthen the vitality of Community Banking throughout New York State.”

IBANYS exclusively represents the interest of independent community banks located throughout New York State. Community banks share a commitment to meeting the financial needs of their respective local communities.